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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $287,100 | $154,209+86.2% | $130,062+120.7% | $139,487+105.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 9.16% | 32.52%-23.4pp | -137.37%+146.5pp | 373.84%-364.7pp |
| Employer contribution / active EE | $2,310 | $5,292-56.4% | $4,322-46.6% | $4,755-51.4% |
| Participant deferral / active EE | $1,324 | $6,709-80.3% | $5,821-77.3% | $6,713-80.3% |
| Admin fee / account holder | $11,550 | $13,988-17.4% | $10,601+9.0% | $11,407+1.3% |